Is it true that half of investment trust buyers are losing money?

"Half of the individuals who invest in investment trusts are losing," the FSA announced in 2018. Someone thinking about investing said it was exciting news.

The Financial Services Agency has long criticized banks for being so profitable soliciting businesses, but this time it will disclose to banks [financial institutions that sell investment trusts] their client's profits and losses and investment trust returns. I asked for that.

As a hint, he argued at the beginning, "Half is lost." "If your bank is customer-oriented, let's announce the results."

◆ Three speculations generated by survey results
This "half loss" theory is likely to generate various speculations.

1. Is an investment trust a product you don't get?
2. Are banks selling unprofitable investment trusts?
3. Do individuals operate in ways that they do not know?

It's time to stop thinking if you decide everything with just one conclusion. The fact that you can only imagine typical patterns from a single number is a lack of imagination and a proof that you are a gullible person. How did you see and interpret this announcement?

◆ What is the investment record of 300 people?
I'm writing a rebuttal that the guess is wrong. Here are the realities of more than 300 individual investors I know.

1. Almost no one has lost any money by buying a long-term fund.
2. For those who have been purchasing monthly for 13 years, the investment rate is 7.5% per year.
3. We have good investment trusts until we have doubled and tripled.

What is different when you buy the same investment trust?

◆ Why is the FSA survey misunderstood?
Individuals of the aforementioned banking customers have short-term investment trust holdings of one to two years. Therefore, you can imagine that if you make a little profit, you sell it immediately.

This means that the unrealized gains in the holdings are low and are not captured as good results in this survey [even if you have ever bought more investment trusts]. I only have salted brands.

In the first place, there is no sin in the investment trust product. Every product has something bad and something good. It's a misunderstanding to make light conclusions with personal speculation from the terrible announcement of "half lost". Is the bank bad? Is the investment trust bad? That's because they tend to find an easy criminal.

Neither is important in asset management.

◆ The most important thing is investment policy!
Is it necessary to select a financial institution to increase assets through investment? Is it a product choice?

In fact, neither. The most important thing is to set an appropriate investment policy and maintain it for a long time. It is human emotion that hinders this, so it is important that investors themselves control their emotions and behave rationally and rationally. You should ask how you will deal with the emotions around investment.

・ How do you overcome the fear of losing money?
・ Where are you patient to increase your money?
・ Where do you learn that way of thinking?

It is overwhelmingly important how to handle products rather than what products are offered. How do you educate about how to associate with risk products? There is a key to the growth of the Japanese investment culture.

I believe that a crackdown on governments that only seeks out malicious solicitations and conflicts of interest will keep the country's investment unhealthy.

In order not to stall the flow of “ from savings to investment '', rather than a negative campaign that promotes failures of investment made in the wrong way, it is better to spread success stories that can be made with the right investment with the right investment rather than negative campaigns It depends on what you want.

Sentence = Kunihiro Kitagawa [money guide]
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